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Travel Insurance  Health insurance


Making sure you achieve all that you set out for

Living each day as it comes; this specialized health insurance plan ensures that you live a life less ordinary, free from stress. Choose from two customized plans

Hospitalization Policy

  • High covers of up to Rs 8 Lacs
  • Pre-existing diseases covered post 2nd renewal
  • Cumulative bonus
  • Life time renewability options available
  • Get OPD benefit on Rs 5 lacs and Rs 8 lacs covers
  • Complimentary annual health check up and wellness coupons
  • No medical check required up to the age of 60 Yrs

Critical Illness Protection Policy

  • High covers upto Rs 25 Lacs
  • No medical check required
  • Over and above cover with lump sum payment
  • Easy & quick claim process with minimal mandatory documents
  • Major diseases covered under this policy are:
    • Cancer
    • Coronary Artery Bypass Graft Surgery
    • Myocardial Infarction (Heart Attack)
    • Kidney Failure
    • Major Organ Transplant
    • Stroke
    • Paralysis
    • Heart Valve Replacement Surgery
    • End Stage Liver Disease

Hospitalization Policy

The applicant should be the basic Cardmember/family member of basic Cardmember of American Express. The minimum age at entry is 5 years and a maximum of 65 years and the cover is lifelong renewable .

For Renewals
Individuals in the age group of 66-80 years can only renew their existing hospitalization plan.

Critical Illness Protection Policy

The minimum age of entry is 20 years and a maximum of 45 years. The cover is renewable till the age of 50 years.

Hospitalization Policy

It covers the insured against hospitalization, and medical charges as a result of suffering from illness or bodily injury during the period of insurance. It also provides cover for pre & post hospitalization medical expenses for a period of 30 or 60 days respectively. The hospitalization has to be on the advice of a medical practitioner and should require hospitalization for a minimum period of 24 hours.

Hospital Cash is paid per day in the event of hospitalization due to an injury or illness sustained or contracted within the period of insurance. ICICI Lombard shall pay the insured, a daily compensation as agreed for the basic cover, subject to the following:

  • Cover applicable only if claim is payable under the Basic cover
  • Minimum period of hospitalization is 2 days (only for Hospital Cash benefit)
  • No Cap on room rents, boarding expenses, ICU treatments and no sub-limits except for cataract (sub-limit of Rs. 20,000 per policy period)
  • The insured can avail services of ICICI Lombard's in-house TPA i-health care, and cash less services at 4000+ network hospitals

Hospital Cash benefit:

From Day 2 of hospitalization you get hospital cash to cover for any incidental expenses. This is in addition to the sum insured (no extra cost)!

  • Rs. 3 Lacs cover – Rs. 3000 per day for 10 days
  • Rs. 5 Lacs cover – Rs. 3000 per day for 15 days
  • Rs. 8 Lacs cover – Rs. 3000 per day for 30 days

Major Exclusions

ICICI Lombard shall not be liable or make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

  • Such disease, which were pre-existing at the time of proposing this insurance will be eligible for claim post 2nd renewal
  • Any disease other than those stated in the exclusions below, contracted by the insured person during the first 30 days from the commencement date of the policy.
  • The expenses on treatment of diseases , or illness such as cataract , Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagisa or Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in anus, Piles, Sinusitis and related disorders during the first year of operation of this policy. If these disease or illnesses are pre-existing at the time of proposal, they will not be covered during subsequent renewal of the policy.
  • War, war like operations, nuclear weapons, contamination.
  • Pregnancy, MTP during the first 12 weeks of conception.
  • Cosmetic surgeries, plastic surgeries, circumcision, vaccination, dental treatment / surgeries which do not require hospitalisation.
  • Congenital external disease/ anamoly / defect, intentional self injury, use of alcohol / intoxicating drugs.
  • Convalescence, general debility.
  • Any sexually transmitted disease or AIDS.

Critical Illness Protection Policy

This cover will pay the insured, the benefit if during the policy period the insured is found to have a critical illness contracted during the period of insurance.

Major Exclusions

  • Survival period of less than 30 days
  • Any critical illness existing or for which the insured sought or received treatment prior to the inception date of the policy
  • Any critical illness discovered or discoverable within 90 days of the inception date of this Policy, but this exclusion shall not apply to the second or subsequent Critical Illness Policy taken by the Insured from the Company without any break.
  • Pregnancy and childbirth
  • War, war like operations, nuclear weapons, ionizing radiation
  • AIDS or any sexually transmitted diseases

Know your Premium

*Premium quoted is annual & includes 12.36% service tax
**Valid for renewals only

Dedicated claims support : Call at 022-66742258 E-mail at :

General Insurance underwritten by ICICI Lombard General Insurance Company Ltd. (ICICI Lombard) whose registered office is at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai – 400 025

Life Insurance is underwritten by PNB MetLife India Insurance Company Ltd. (PNB MetLife) having its principle office at No.5 Brigade Seshmahal, Vani Vilas Road, Basavanagudi, Bangalore – 560004.

This information is provided by American Express Banking Corp. (AEBC), India, having its Principal office at MGF Metropolitan, Office Tower, Level 7, District Centre, Saket, New Delhi-110017. Insurance Regulatory and Development Authority has authorized AEBC India to act as a Corporate Agent from 17th June, 2011 to 16th June, 2014 for soliciting and procuring General Insurance business under license number ILG 8654380 and under license number MLI 8654380 for soliciting and procuring Life Insurance business from 28th August 2012 to 16th June, 2014. The contents of this message (including any attachments) and the contents there of are attributable solely to the ICICI Lombard General Insurance Company Limited & PNB MetLife India Insurance Company Ltd. ('Insurance Company'). No part of the same is either directly or indirectly, attributable to AEBC. The participation of the Cardmember is purely on a voluntary basis. Any such person who purchases or otherwise subscribes to the Insurance Product would do at his/her discretion and shall not receive any advantages in additions to those which he/she would ordinarily be entitled to as an American Express Cardmember. AEBC India does not accept any responsibility for the Insurance Company's actions or decisions. AEBC holds no warranty & makes no representation about claims processing. Insurance company is liable to claims processing as per the terms and conditions of this Policy. AEBC India identifies insurance providers and products that may be of some interest to some of their customers. In this role, American Express does not act as an agent or fiduciary for the Cardmember, and may act on behalf of the insurance provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 15% of the premium as commissions for Non Life insurance products and up to 30% in the first year and up to 7% of the premium in the subsequent years for Life insurance products from providers as per Insurance Regulatory and Development Authority guidelines.

Insurance is a subject matter of solicitation. For complete details on coverage, Terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.